Home / By Trade / Landscaper Insurance Cost

Landscaper Insurance Cost

GL costs and coverage options for a landscaper.

By Jessica Martinez, Contributing Writer, Business & Finance
Updated July 8, 2026

The Short Answer

Landscaping businesses typically pay from about $660/year for general liability insurance, roughly 2.2x the base office rate. Where you land depends on your season's revenue, payroll, and state rules; the GL cost calculator turns those into an actual number.

Why Landscapers Pay This Rate

Your risk class and your yearly revenue are what carriers actually underwrite general liability against. Mowers, blowers, and trimmers running around someone's property create real property damage and injury exposure, a rock through a window or a client tripping over your equipment both go to your GL policy.

One Thing Worth Knowing

Seasonal crews and subcontracted labor are common in landscaping, and both can complicate a GL policy if the carrier isn't told about them upfront. Disclose your labor setup accurately when you apply.

Adding the Rest of Your Coverage

Crews on payroll mean workers' comp becomes mandatory in most states; the calculator gives a payroll-based estimate. Pairing GL with a BOP adds property coverage at a bundled rate. First timers can start with the SBA business insurance guide for the fundamentals.

FAQs

Why do landscapers pay a meaningfully higher rate than office businesses?

Because mowers, blowers, and trimmers running around someone's property create real property damage and injury exposure. A rock thrown through a window or a client tripping over your equipment both go to your GL policy, which is why landscapers sit at roughly 2.2x the base office rate.

Does GL cover damage to a client's sprinkler system or landscaping I'm working on?

Yes, accidental damage to a client's property during your work is a core GL claim, whether it's a severed sprinkler line or a damaged retaining wall.

How does using seasonal or subcontracted crews affect my policy?

It can complicate things if the carrier isn't told about it upfront. Disclose your actual labor setup, seasonal hires included, when you apply, since misclassifying your workforce can create coverage gaps exactly when you need the policy to work.

Do I need commercial auto coverage in addition to GL?

If you drive trucks or trailers between job sites, yes, personal auto policies typically exclude commercial use. The commercial auto cost calculator gives a separate estimate for that coverage.